Savings Rates | GIC/GIA: 1 to 6 years (Registered)

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Sorted by: Payment Frequency in descending order (Click on a column heading to sort up or down)
Financial Institution Compound Frequency Payment Frequency Redeemable Minimum Deposit Term in Years
1 2 3 4 5 6
Caisses Desjardins Not compounded Semi-annually no 500 0.800 1.050 1.100 1.250 1.450 -
Laurentian Bank Canada Not compounded Semi-annually yes 500 0.250 0.500 0.650 0.800 1.000 -
Laurentian Bank Canada Not compounded Semi-annually no 500 0.600 0.750 0.900 1.050 1.250 1.250
Laurentian Bank Canada Not compounded Quarterly no 500 0.600 0.750 0.900 1.050 1.250 1.250
Caisses Desjardins Not compounded Monthly no 500 0.800 1.050 1.100 1.250 1.450 -
Great-West Life Not compounded Monthly no 500 0.150 0.250 0.350 0.750 1.000 1.150
Great-West Life Not compounded Monthly no 25,000 0.275 0.375 0.475 0.875 1.125 1.275
Great-West Life Not compounded Monthly no 50,000 0.400 0.500 0.600 1.000 1.250 1.400
Great-West Life Not compounded Monthly yes 500 0.150 0.250 0.350 0.750 1.000 1.150
Great-West Life Not compounded Monthly yes 25,000 0.275 0.375 0.475 0.875 1.125 1.275
Great-West Life Not compounded Monthly yes 50,000 0.400 0.500 0.600 1.000 1.250 1.400
Laurentian Bank Canada Not compounded Monthly yes 500 0.250 0.250 0.400 0.550 0.750 -
Laurentian Bank Canada Not compounded Monthly no 500 0.500 0.500 0.650 0.800 1.000 1.000
Outlook Financial Not compounded Monthly yes 1,000 1.750 1.850 1.950 2.100 2.250 -
ATB Financial Semi-annually At maturity yes 500 0.100 0.100 0.100 0.100 0.100 -
ATB Financial Annually At maturity yes 500 0.350 0.350 0.350 0.350 0.350 -
ATB Financial Semi-annually At maturity no 500 0.850 1.000 1.050 1.150 1.350 -
ATB Financial Annually At maturity no 500 1.100 1.250 1.300 1.400 1.600 -
AcceleRate Financial Annually At maturity no 500 2.000 2.100 2.200 2.350 2.500 2.550
Achieva Financial Annually At maturity no 1,000 2.000 2.100 2.200 2.350 2.500 -
Alterna Bank Annually At maturity no 500 1.250 1.200 1.200 1.350 1.550 -
Alterna Savings Annually At maturity no 500 1.250 1.200 1.200 1.350 1.550 -
BMO Bank of Montreal Annually At maturity no 1,000 0.850 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Annually At maturity yes 1,000 0.600 0.800 0.900 1.000 1.250 -
Bank of Nova Scotia Annually At maturity no 500 0.900 1.100 1.150 1.300 1.500 -
Bk Nova Scotia Mtg. Corp Annually At maturity no 500 0.900 1.100 1.150 1.300 1.500 -
CIBC Annually At maturity yes 500 0.300 0.400 0.600 - - -
CIBC Annually At maturity no 500 0.550 0.650 0.850 1.050 1.250 -
Caisses Desjardins Annually At maturity no 500 0.850 1.100 1.150 1.300 1.500 -
Canada Life Annually At maturity yes 25,000 0.375 0.475 0.575 0.975 1.225 1.375
Canada Life Annually At maturity yes 1,000 0.250 0.350 0.450 0.850 1.100 1.250
Canada Life Annually At maturity yes 75,000 0.500 0.600 0.700 1.100 1.350 1.500
Canadian Direct Fin'l Annually At maturity no 500 1.630 2.150 2.200 2.300 2.400 -
Canadian Western Bank Annually At maturity no 500 1.380 1.900 1.950 2.050 2.150 -
Canadian Western Trust Annually At maturity no 5,000 1.380 1.900 1.950 2.050 2.150 -
Coast Capital Savings Annually At maturity no 1,000 1.200 1.300 1.500 1.600 1.850 -
Community Trust Annually At maturity no 1,000 1.900 2.020 2.050 2.100 2.200 -
Comtech Credit Union Annually At maturity no 100,000 1.800 1.650 1.750 2.150 2.250 -
Comtech Credit Union Annually At maturity no 50,000 1.800 1.650 1.750 2.150 2.250 -
Comtech Credit Union Annually At maturity no 1,000 1.800 1.650 1.750 2.150 2.250 -
Comtech Credit Union Annually At maturity no 200,000 1.800 1.650 1.750 2.150 2.250 -
Concentra Financial Annually At maturity no 1,000 0.900 1.000 1.100 1.200 1.500 -
DUCA Financial Services Annually At maturity no 500 1.300 1.500 1.750 1.850 2.000 2.000
Effort Trust Annually At maturity no 1,000 1.775 2.025 2.050 2.100 2.200 -
Empire Life Annually At maturity yes 100,000 0.950 1.150 1.250 1.450 1.800 1.650
Empire Life Annually At maturity yes 50,000 0.825 1.025 1.125 1.325 1.675 1.525
Empire Life Annually At maturity yes 500 0.700 0.900 1.000 1.200 1.550 1.400
Entegra Credit Union Annually At maturity no 1,000 1.900 2.000 2.100 2.250 2.400 -
Equitable Life Annually At maturity yes 50,000 0.750 1.150 1.300 1.450 1.600 -
Equitable Life Annually At maturity yes 500 0.750 1.150 1.300 1.450 1.600 -
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Term deposits are investment products that offer a guaranteed rate of return for a pre-defined time period. The applicable interest rate varies according to the term of investment, the amount of money invested, the treatment of interest and whether or not the investment is redeemed prior to maturity. Term deposits are also known as GICs (Guaranteed Investment Certificates), or Accumulation Annuities when issued by an insurance company. These investments are registered for tax purposes as an RSP (retirement savings plan).

Prepared by Cannex on April 29, 2016

This information is current as of the date and time posted and is subject to change without notice.

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